Next Steps to Take After the Death: Difference between revisions
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{{A Death in Your Family TOC}} | {{REVIEWEDPLS | reviewer = [[Helen Low|Helen Low, QC]] and [[Nicco Bautista]]|date= January 2017}}{{A Death in Your Family TOC}} | ||
When a loved one dies, there are several things to take care of in addition to [[Making the Funeral Arrangements|making the funeral arrangements]]. Other matters to look after include safeguarding the property the deceased left behind, notifying organizations of the death, and inquiring about survivor benefits. | |||
==Dealing with the property left behind== | |||
If the deceased left a will, the '''executor''' named in the will is responsible for settling the estate of the deceased. Settling the estate involves locating the property owned by the deceased, paying any debts, the funeral costs and taxes, and then distributing the estate according to the instructions in the will. | |||
If the loved one died without a will, a person must apply to court for permission to settle the estate. | |||
The People’s Law School publication ''Being an Executor'' covers the steps involved in British Columbia in dealing with an estate after a person dies. | The People’s Law School publication ''[[Being an Executor]]'' covers the steps involved in British Columbia in dealing with an estate after a person dies. | ||
===Locating the will=== | ===Locating the will=== | ||
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The will may be in the deceased’s home, in a safety deposit box, or at the office of the lawyer or notary public who drafted the will. | The will may be in the deceased’s home, in a safety deposit box, or at the office of the lawyer or notary public who drafted the will. | ||
To check on the location of the will, you can search the Wills Registry maintained by the Vital Statistics Agency. If the deceased filed a notice of their will with the | To check on the location of the will, you can [https://www2.gov.bc.ca/gov/content/life-events/death/wills-registry search the Wills Registry] maintained by the Vital Statistics Agency. If the deceased filed a notice of their will with the Registry, the search will indicate the location of the original will. | ||
===Safeguarding the deceased’s property=== | ===Safeguarding the deceased’s property=== | ||
The executor named in the will is responsible for protecting the assets until the estate is ready to be distributed. If an executor is not involved, those close to the deceased can help protect the assets. | The executor named in the will is responsible for protecting the '''assets''' until the estate is ready to be distributed. If an executor is not involved, those close to the deceased can help protect the assets. | ||
For example: | For example: | ||
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===Property that passes directly on death=== | ===Property that passes directly on death=== | ||
Not all things owned by the deceased form part of the estate. Certain types of assets | Not all things owned by the deceased form part of the estate. Certain types of assets "pass outside the will". | ||
For example, property owned jointly by the deceased and someone else automatically becomes the exclusive property of the other joint owner. If you had a joint bank account with the deceased, you can withdraw the whole amount from the account at any time. If you encounter difficulties, speak to the bank manager. Once you have the death certificate, you can have the account transferred to your name alone. | For example, property owned jointly by the deceased and someone else automatically becomes the exclusive property of the other joint owner. If you had a joint bank account with the deceased, you can withdraw the whole amount from the account at any time. If you encounter difficulties, speak to the bank manager. Once you have the death certificate, you can have the account transferred to your name alone. | ||
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* cancel any credit cards | * cancel any credit cards | ||
* cancel any subscriptions or club memberships | * cancel any subscriptions or club memberships | ||
* cancel any Old Age Security or Canada | * cancel any [https://www.canada.ca/en/services/benefits/publicpensions/cpp/cancel-cpp.html Old Age Security or Canada Pension Plan benefits] received by the deceased | ||
* cancel the deceased’s passport and [http://www.icbc.com/driver-licensing/getting-licensed/Pages/cancel-retire-licence.aspx driver’s licence] | |||
* cancel the deceased’s passport and driver’s licence | |||
Usually the executor or administrator of the estate will also send a change of address to Canada Post so that mail intended for the deceased goes to a safe location while they are dealing with the deceased’s estate. | Usually the executor or administrator of the estate will also send a [https://www.canadapost.ca/web/en/products/details.page?article=forward_your_mail_wh&ecid=display%7Cddn%7Cml%7C225 change of address to Canada Post] so that mail intended for the deceased goes to a safe location while they are dealing with the deceased’s estate. | ||
==Survivor’s pensions and benefits== | ==Survivor’s pensions and benefits== | ||
[[File:A_Death_in_Your_Family_contents4.png|thumb|275px|right| link=| <span style="font-size:50%;">Image via www.istockphoto.com</span>]] | |||
If the deceased contributed to a government or private pension, their spouse and dependents may be entitled to a survivor’s pension or a death benefit. For example: | If the deceased contributed to a government or private pension, their spouse and dependents may be entitled to a survivor’s pension or a death benefit. For example: | ||
* '''Canada Pension Plan (CPP) survivor’s pension:''' If the deceased contributed to the CPP, a survivor’s pension is paid to their surviving spouse or common-law partner. The survivor is responsible for applying for their monthly pension. | * '''Canada Pension Plan (CPP) survivor’s pension:''' If the deceased contributed to the CPP, a [https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-survivor-pension.html survivor’s pension] is paid to their surviving spouse or common-law partner. The survivor is responsible for applying for their monthly pension. | ||
* '''CPP children’s benefits:''' If the deceased made sufficient contributions to the CPP, a children’s benefit is paid to any surviving child under age 18 or between ages 18 and 25 if in full-time attendance at school. The child or their parent or guardian are responsible for applying for this monthly benefit. | * '''CPP children’s benefits:''' If the deceased made sufficient contributions to the CPP, a [https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-childrens-benefit.html children’s benefit] is paid to any surviving child under age 18 or between ages 18 and 25 if in full-time attendance at school. The child or their parent or guardian are responsible for applying for this monthly benefit. | ||
* '''CPP death benefit:''' The CPP death benefit is a one-time, lump-sum payment paid to the estate or a survivor of a deceased CPP contributor. If an executor or administrator is involved, they should apply for the death benefit on behalf of the estate. | * '''CPP death benefit:''' The [https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-death-benefit.html CPP death benefit] is a one-time, lump-sum payment paid to the estate or a survivor of a deceased CPP contributor. If an executor or administrator is involved, they should apply for the death benefit on behalf of the estate. | ||
With public and private pensions, the estate or the survivor is entitled to keep any cheques issued in the month the deceased passed away. | With public and private pensions, the estate or the survivor is entitled to keep any cheques issued in the month the deceased passed away. | ||
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If the death was the result of a work incident, a car accident, or a crime, benefits may be available to assist the survivors: | If the death was the result of a work incident, a car accident, or a crime, benefits may be available to assist the survivors: | ||
* '''Workers’ compensation benefits:''' If the death was the result of a work incident, benefits may be available as workers’ compensation through | * '''Workers’ compensation benefits:''' If the death was the result of a work incident, benefits may be available as workers’ compensation through [https://www.worksafebc.com/en WorkSafeBC]. | ||
* '''ICBC benefits:''' If the death was due to a car accident, benefits are available from | * '''ICBC benefits:''' If the death was due to a car accident, benefits are available from [http://www.icbc.com ICBC]. Regardless of who was responsible for the accident, certain funeral expenses and survivor benefits are payable. | ||
* '''Victims of crime assistance:''' If the death was a result of a crime, assistance may be available to survivors from the Crime Victim Assistance Program. Call 1-866-660-3888 or contact cvap@gov.bc.ca. | * '''Victims of crime assistance:''' If the death was a result of a crime, assistance may be available to survivors from the [http://www2.gov.bc.ca/gov/content/justice/criminal-justice/bcs-criminal-justice-system/if-you-are-a-victim-of-a-crime/victim-of-crime/financial-assistance-benefits Crime Victim Assistance Program]. Call 1-866-660-3888 or contact cvap@gov.bc.ca. | ||
==Seeking bereavement support== | ==Seeking bereavement support== | ||
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Family and friends can be a great source of comfort. Expressing your feelings with them can help you in the grieving process. | Family and friends can be a great source of comfort. Expressing your feelings with them can help you in the grieving process. | ||
The BC Bereavement Helpline is a free and confidential service that helps people in BC cope with grief. See the | The [http://www.bcbereavementhelpline.com BC Bereavement Helpline] is a free and confidential service that helps people in BC cope with grief. See the “[[Where to Get Help for A Death in Your Family|Where to Get Help]]” section for contact information. | ||
==Updating your own legal affairs== | ==Updating your own legal affairs== | ||
If you have lost your partner, you may need financial advice or help reorganizing your banking arrangements. | If you have lost your partner, you may need financial advice or help reorganizing your banking arrangements. | ||
In time, you may wish to review your own will and any other personal planning arrangements such as a power of attorney, advance directive, or representation agreement. See the People’s Law School publication ''Power of Attorney'' as well as the website | In time, you may wish to review your own will and any other personal planning arrangements such as a power of attorney, advance directive, or representation agreement. See the People’s Law School publication ''[[Power of Attorney]]'' as well as the website [http://www.clicklaw.bc.ca/ Clicklaw]. | ||
{{A Death in Your Family Navbox}} | {{A Death in Your Family Navbox}} | ||
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Latest revision as of 19:29, 13 December 2019
| This information applies to British Columbia, Canada. Last reviewed for legal accuracy by Helen Low, QC and Nicco Bautista in January 2017. |
When a loved one dies, there are several things to take care of in addition to making the funeral arrangements. Other matters to look after include safeguarding the property the deceased left behind, notifying organizations of the death, and inquiring about survivor benefits.
Dealing with the property left behind
If the deceased left a will, the executor named in the will is responsible for settling the estate of the deceased. Settling the estate involves locating the property owned by the deceased, paying any debts, the funeral costs and taxes, and then distributing the estate according to the instructions in the will.
If the loved one died without a will, a person must apply to court for permission to settle the estate.
The People’s Law School publication Being an Executor covers the steps involved in British Columbia in dealing with an estate after a person dies.
Locating the will
Locating the will, if the deceased left one, clarifies who has been named executor. The will may also have instructions about the deceased’s wishes for organ donation, burial or cremation, and their funeral service.
The will may be in the deceased’s home, in a safety deposit box, or at the office of the lawyer or notary public who drafted the will.
To check on the location of the will, you can search the Wills Registry maintained by the Vital Statistics Agency. If the deceased filed a notice of their will with the Registry, the search will indicate the location of the original will.
Safeguarding the deceased’s property
The executor named in the will is responsible for protecting the assets until the estate is ready to be distributed. If an executor is not involved, those close to the deceased can help protect the assets.
For example:
- If the deceased’s home is not occupied, make sure the home is secured, appliances turned off, and any pets are looked after. If the home is to remain vacant, tell the police.
- Make sure any vehicle owned by the deceased is locked in a safe place.
- Safeguard any wallet, purse or briefcase owned by the deceased.
- Secure the deceased’s key pieces of identification, such as their social insurance card, medical card, driver’s licence, and passport.
Property that passes directly on death
Not all things owned by the deceased form part of the estate. Certain types of assets "pass outside the will".
For example, property owned jointly by the deceased and someone else automatically becomes the exclusive property of the other joint owner. If you had a joint bank account with the deceased, you can withdraw the whole amount from the account at any time. If you encounter difficulties, speak to the bank manager. Once you have the death certificate, you can have the account transferred to your name alone.
 |
If the deceased had a bank account in their name alone, notify the bank. Banks may release small amounts of money to a surviving spouse before the estate is settled, but they are not required to do so. They will typically pay funeral expenses directly if presented with the bill. |
Who to notify of the death
You should contact organizations and government departments to notify them of the death or cancel services. For example:
- notify financial institutions where the deceased held accounts
- cancel any credit cards
- cancel any subscriptions or club memberships
- cancel any Old Age Security or Canada Pension Plan benefits received by the deceased
- cancel the deceased’s passport and driver’s licence
Usually the executor or administrator of the estate will also send a change of address to Canada Post so that mail intended for the deceased goes to a safe location while they are dealing with the deceased’s estate.
Survivor’s pensions and benefits
If the deceased contributed to a government or private pension, their spouse and dependents may be entitled to a survivor’s pension or a death benefit. For example:
- Canada Pension Plan (CPP) survivor’s pension: If the deceased contributed to the CPP, a survivor’s pension is paid to their surviving spouse or common-law partner. The survivor is responsible for applying for their monthly pension.
- CPP children’s benefits: If the deceased made sufficient contributions to the CPP, a children’s benefit is paid to any surviving child under age 18 or between ages 18 and 25 if in full-time attendance at school. The child or their parent or guardian are responsible for applying for this monthly benefit.
- CPP death benefit: The CPP death benefit is a one-time, lump-sum payment paid to the estate or a survivor of a deceased CPP contributor. If an executor or administrator is involved, they should apply for the death benefit on behalf of the estate.
With public and private pensions, the estate or the survivor is entitled to keep any cheques issued in the month the deceased passed away.
If the death was the result of a work incident, a car accident, or a crime, benefits may be available to assist the survivors:
- Workers’ compensation benefits: If the death was the result of a work incident, benefits may be available as workers’ compensation through WorkSafeBC.
- ICBC benefits: If the death was due to a car accident, benefits are available from ICBC. Regardless of who was responsible for the accident, certain funeral expenses and survivor benefits are payable.
- Victims of crime assistance: If the death was a result of a crime, assistance may be available to survivors from the Crime Victim Assistance Program. Call 1-866-660-3888 or contact cvap@gov.bc.ca.
Seeking bereavement support
Grieving is an important process that requires more time than people often acknowledge or allow. Support during time of bereavement can help bring healing, renewal, and hope for the future.
Family and friends can be a great source of comfort. Expressing your feelings with them can help you in the grieving process.
The BC Bereavement Helpline is a free and confidential service that helps people in BC cope with grief. See the “Where to Get Help” section for contact information.
Updating your own legal affairs
If you have lost your partner, you may need financial advice or help reorganizing your banking arrangements.
In time, you may wish to review your own will and any other personal planning arrangements such as a power of attorney, advance directive, or representation agreement. See the People’s Law School publication Power of Attorney as well as the website Clicklaw.
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